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Legal form of checkable deposit and time deposit
Muzikář, Martin ; Křížek, Tomáš (advisor)
The thesis deals with legal form of checkable deposit and time deposit in the Czech Republic. The study primarily describes formation, alteration and discharge of contractual relationship, which is formated between the bank and the bank customer in terms of contract of checkable deposit or contract of time deposit. The thesis primarily deals with the position of retail bank customer, which is not a business entity. From the standpoint of theory, the text focuses on mutual rights and obligations of both contractors. The analytical part compares the offer of checkable deposits for students in two Czech banks (Komerční banka and Česká spořitelna) with a view to legal terms.
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Bank charges related to the current account
Jetmarová, Petra ; Půlpánová, Stanislava (advisor)
The subject of the bachelor work is to compare the bank charges at the chosen financial institutions, particularly Société Générale S.A and the subsidiary institution of Komercni Bank a.s. First is a part describing the significant changes that have arisen from the new Payment System Law. This is followed by the brief characteristics of the bank institutions. The principal part is devoted to the analyses of the bank charges to set and to maintenance a current account. These charges are not a part of any special bank package. The evaluation of the final group of the products and the services is at the conclusion of this work.
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Ocenění ČSOB
Tichý, Jan ; Mařík, Miloš (advisor) ; Jurečka, Jan (referee)
The Diploma Thesis deals with an evaluation of financial institutions, specifically with the banks, in the time of financial crisis. The evaluation of the selected bank (CSOB,a.s.) in non-consolidated form is carried out in the practical part with use of the discounted cash flow method, market analysis approach(comparable entities) and bond-pricing method.
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Bank financial risks - credit risk
Ondračka, Michal ; Burgerová, Jiřina (advisor) ; Vostrovská, Zdenka (referee)
This is analysis of credit risks of bank i.e. risks between bank, as a creditor and it's debtor. Credit risk means uncertainty that the debtor will pay to the bank agreed installment and interest in time. In relationship between bank and debtor there is a lot of risks named in this study. The most dangerous risk is credit risk. The banks take some measures to prevent them: monitoring of the bonity of a client, credit procedure, reinsurance of a debt, managing of risk, capital adequacy, registry, rating etc. Credit risk of bank can cause financial losses but also bank crises with impact on global economy. JEL Classification: G210, E580, D810
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Architecture of banking data warehouse
Bureš, Petr ; Pour, Jan (advisor) ; Meixner, Jiří (referee)
The thesis deals with banking data warehouse and the factors which influence their architecture. The goal of the thesis is to analyze the influence by fulfilling the three partial goals -- defining banks' requirements on data warehouses, analyzing a data warehouse in the real banking environment and making a comparison of the Czech banks' data warehouses. First, the thesis briefly introduces elements of business intelligence (BI) and data warehousing. Second, after deducing reasons for BI implementation in commercial banks, the requirements on data warehouse are synthesized and their impacts on the data warehouse architecture are analyzed. Finally, conclusions of the thesis are applied on creation of the survey which enables comparison of the Czech banks' data warehouses. The thesis applies the theory of relationship between BI maturity, requirements on BI and data warehouse architecture and creates a tool for evaluating and comparing the data warehouses of banks with respect to bank's BI maturity and predisposition for a particular architecture. The tool can serve as a basis for a general tool able to compare data warehouses in other branches of economy and can help to better understand relations between organizations' need for information, BI solutions used and underlying data warehouses.
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Analysis of Banking Products for Entrepreneurs and Firms - differences of the offer provided by Czech banks in comparison with banks abroad
Štěchová, Petra ; Votava, Libor (advisor)
The use of banking products is an integral part of business. For this reason, the theoretical part of the work focuses on the general description. It also highlights the benefits of optimization in this sphere. It also indicates the differences between Czech and European banks, which are most obvious in the bank charges. They discussed the impact of financial crisis, affecting in particular the availability of credit. Practical part of the work focuses on the comparison of products, namely the current accounts of domestic and foreign bank -- ČSOB and Deutsche Bank. The result of this analysis is greater partiality for the establishment of current account at a bank in the Czech Republic. In addition, bank products are analyzed, leading joint-stock company CZ LOKO, which are mentioned experience with their use. Subsequently, the company CZ LOKO recommended a new current account, which is based on the comparison of bids for five lesser-known banks. From this analysis came to establish a new account at a branch of Austrian Oberbank AG, based in the Czech Republic. Finally, carry out a survey on the use of banking products, which demonstrated that all of today's entrepreneurs, to a lesser or greater extent, using bank's services.
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Bank charges related to the current account
Mazancová, Hana ; Hradil, Dušan (advisor)
This bachelor thesis named "Bank charges related to the current account", describes banking facilities and charges, which are offered to current account. This thesis aim is the description of primary bank charge types and their comparison among selected Czech banks. The outcome is to choose, which bank offers its services cheaper and then to find the possibility, how to decrease bank charges. The way how to achieve the result, is to analyse bank tariffs and to create fictive bank client.
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Position of Czech savings bank on the czech banking market
Gavlasová, Zuzana ; Kuncová, Martina (advisor) ; Bureš, Miroslav (referee)
The main goal of this thesis is to analyse the position of the Ceska sporitelna bank (Czech savings bank) on the czech banking market by applicaion of multiple criteria decision making methods. Analysis is concetrate in two parts - the bank in its complexity and also in the product portfolio mainly in the area of current account as a most strategic banking product. The comparsion of banking products or banks at all is not a goal of this thesis. The thesis is concerned on a basic analysis based on certain presumpions and restrictions.
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